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Tinjauan Hukum Ekonomi Syari’ah: Take Over Pembiayaan Mikro Bank Syari’ah Akhmad Nurasikin; Tri Handayani
Iqtisad: Reconstruction of justice and welfare for Indonesia Vol 8, No 2 (2021): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v8i2.5674

Although Indonesia is still facing formidable challenges due to the Covid-19 pandemic, the distribution of financing in the MSME sector and the micro segment continues to increase. "This shows that BSI continues to support the growth of MSMEs in the midst of the pandemic storm. Until June 2021, MSME financing at BSI was recorded at 36.82 trillion rupiah. Therefore, the authors are interested in conducting research with the title "Review of Islamic Economic Law Take Over Sharia Bank Microfinance". The purpose of this study is to analyze the TO process of microfinance in Islamic banks and its legal review. The research method used is descriptive analytical while the approach uses empirical juridical and data collection by literature study, interviews and observations. The results of the study stated the views of several scholars and sharia economists regarding the Qardh wal Murabahah contract used as a permissible contract, but in practice it must be subject to strict supervision. The Micro Financing Take Over process is guided by the DSN-MUI Fatwa Number: 31/DSN-MUI/VI/2002 concerning Debt Transfer (Alternative 1) and has become a positive law through Bank Indonesia Regulations (PBI). The legal consequence of this Qardh wal Murabahah contract is that the right of the first customer as a guarantee right holder is legally transferred to the new customer as stated in the Mortgage Certificate (SHT) and Fiduciary Guarantee Certificate.Walaupun Indonesia masih menghadapi tantangan yang berat akibat pandemi Covid-19, namun penyaluran pembiayaan di sektor UMKM dan segmen mikro terus meningkat. “Ini menunjukkan BSI terus mendukung pertumbuhan UMKM di tengah badai pandemi. Hingga Juni 2021, pembiayaan UMKM di BSI tercatat sebesar 36,82 triliun rupiah. Oleh karena itu penulis tertarik melakukan penelitian dengan judul ”Tinjauan Hukum Ekonomi Syariah Take Over Pembiayaan Mikro Bank Syari’ah”. Tujuan penelitian ini ialah untuk menganalisis proses TO pembiayaan mikro di bank syari’ah dan tinjauan hukumnya, Adapun Metode penelitian yang digunakan bersifat deskriptif analitis sedangkan pendekatannya menggunakan yuridis empiris dan pengumpulan data dengan studi kepustakaan, wawancara dan observasi. Hasil penelitian tersebut menyatakan pandangan beberapa ulama’ dan pakar ekonomi syari’ah mengenai akad Qardh wal Murabahah yang digunakan merupakan akad yang dibolehkan, namun dalam praktiknya harus mendapat pengawasan yang ketat. Proses Take Over Pembiayaan Mikro berpedoman pada Fatwa DSN-MUI Nomor: 31/DSN-MUI/VI/2002 tentang Pengalihan Utang (Alternatif 1) dan menjadi hukum positif melalui Peraturan Bank Indonesia (PBI). Akibat hukum dari akad Qardh wal Murabahah ini ialah hak nasabah pertama sebagai pemegang hak jaminan beralih secara hukum kepada pihak nasabah baru yang tertuang dalam Sertifikat Hak Tanggungan (SHT) dan Sertifikat jaminan Fidusia.

Strategi Pemasaran Pembiayaan Warung Mikro Bank Syariah Mandiri KC. Kendal Akhmad Nurasikin
Jurnal Iqtisad Vol 6, No 2 (2019): IQTISAD
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v6i2.3146

Abstract The development of Micro Small Enterprises (SMEs) annually increasing. This is due to the high interest of the community, especially the SMEs who want to start a business. One of the problems faced is the limited capital owned. Bank Syariah Mandiri (BSM) is present as a solution to answer the capital problems of SMEs by offering microfinance through Micro Stalls (Warung Mikro). This study aims to find out how the implications of the marketing strategy are with the approach to the marketing mix (product, price, place and promotion) of BSM micro stalls and analyze their strengths and weaknesses. Based on the results of research conducted by the author, that the marketing strategy carried out has positive implications for the progress of the business of its customers and increases the financing portfolio of Micro Stalls, BSM KC, Kendal. The advantages of the products include Principles and agreements in accordance with the Shari'ah, Limit of financing in accordance with micro segments, The process of applying for financing is relatively easy and fast, minor installments and fixed to maturity, business training and assistance programs for MSEs, using an individual approach and ball pick up system and is located in a area that is relatively close to the micro segment business location. While the disadvantages of financing Micro Stalls, BSM KC, Kendal, among others; the lack of employees who master shari'ah transactions, inadequate facilities and promotions is still monotonous so it is less efficient.

Analisis Hukum Islam tentang Penyelenggaraan Shalat Jumat dan Ibadah di Masjid dalam Situasi Tanggap Darurat Covid-19 Imam Khoirul Ulumuddin; A. Saiful Aziz; Tri Handayani; Akhmad Nurasikin
Jurnal Iqtisad Vol 9, No 1 (2022): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v9i1.6569

AbstractThe year 2020 is a year that worries people all over the world with the outbreak of the Corona Virus Disease 2019 (COVID-19), and Indonesia is no exception. The rapid spread of the Corona Virus (Covid-19) has caused various problems in all aspects of life, including the issue of holding public worship. This study aims to analyze the Central Java MUI Tausiah Number: 02/DP-P.XIII/T/IV/2020 related to the implementation of Friday prayers and worship at the mosque in the Covid-19 emergency response situation. This research is a type of literary research (library research). , using a qualitative method with a descriptive approach to the analysis of Islamic law, namely describing and studying the problem using the study of Islamic law, then analyzing it. The results of the study conclude that the Central Java MUI Tausiah Number: 02/DP-P.XIII/T/IV/2020 is not only based on naqli and aqli arguments, but also through several considerations, including an appeal from WHO which is a world health organization and also the decision of the Regional Government through its Covid Cluster, so that in distributing tausiah, it has been carefully discussed and not arbitrarily circulated. Differences of opinion in accepting decisions are sunnatullah that cannot be avoided, so there needs to be a wise attitude in dealing with this.Keywords: Friday prayer; Worship in the Mosque; Covid-19 EmergencyAbstrakTahun 2020 merupakan tahun yang mengkawatirkan masyarakat seluruh dunia dengan adanya wabah Corona Virus Disease 2019 (COVID-19), tak terkecuali di Indonesia. Penyebaran Virus Corona (Covid-19) ini yang begitu cepat menimbulkan berbagai permasalahan di segala aspek kehidupan, tak terkecuali dalam masalah penyelenggaraan ibadah di muka publik. Penelitian ini bertujuan untuk menganalisis Tausiah MUI Jawa Tengah Nomor: 02/DP-P.XIII/T/IV/2020 terkait penyelengaraan shalat jumat dan ibadah di masjid dalam situasi tanggap darurat covid-19, Penelitian ini merupakan Jenis Penelitian literer (library research), menggunakan metode kualitatif dengan pendekatan deskriptif analisis hukum Islam, yakni mendeskripsikan dan mengkaji permasalah menggunakan kajian hukum Islam, kemudian menganalisisnya. Hasil penelitian menyimpulkan bahwasannya Tausiah MUI Jawa Tengah Nomor: 02/DP-P.XIII/T/IV/2020 tidak hanya berdasarkan dalil-dalil naqli dan aqli, dan juga melalui beberapa pertimbangan, diantarannya adalah himbauhan dari WHO yang merupakan organisasi kesehatan dunia dan juga keputusan Pemerintah Daerah melalui Gugus Covidnya, sehingga dalam mengedarkan tausiah memang sudah digodok secara matang dan tidak sembarangan untuk diedarkan. Perbedaan pendapat dalam menerima keputusan memang merupakan sunatullah yang tidak bisa dihindari, sehingga perlu adanya sikap yang bijaksana dalam menyikapi hal tersebut.

Pelatihan Manajemen Keuangan bagi Santri Menuju Kemandirian Pondok Pesantren Akhmad Nurasikin; Kholid Masyhari; Ali Imron
Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Vol 22, No 1 (2022)
Publisher : LP2M of Institute for Research and Community Services - UIN Walisongo

Finance is one of the resources that directly support the effectiveness and efficiency of Islamic boarding school education management. The independence of Islamic boarding schools is also one of the priority programs of the Ministry of Religious Affairs in 2021. This can be achieved by improving the quality of management/management of Islamic boarding schools, especially professional, effective, efficient, transparent, and accountable financial management. Financial Management Training for Santri towards independence of Islamic Boarding Schools using Participatory Action Research (PAR). That is, all stakeholders actively review current actions to make changes and improvements for the better. The results of community service that have been carried out are that the stages of Islamic boarding school financial management are planning (budgeting), implementation (Accounting), and evaluation (Auditing). Boarding schools of Islamic boarding schools receive assistance in the preparation of the RKAPP (Islamic Boarding School Activity and Budget) or RAPBPP (Islamic Boarding School Revenue and Expenditure Budget Plan) in 2022. It is hoped that the financial management of Islamic Boarding Schools will be more transparent and accountable. The author's suggestion is that it is necessary to improve the RKAPP and evaluation of financial management this year as a reference for the preparation of the RKAPP in the following year. Keuangan/Financial menjadi salah satu sumber daya yang secara langsung mendukung efektifitas dan efisiensi pengelolaan pendidikan pondok pesantren. Kemandirian Pondok pesantren juga menjadi salah satu program prioritas Kementerian Agama tahun 2021. Hal ini dapat dicapai dengan peningkatan kualitas manajemen/pengelolaan pesantren khususnya pengelolaan keuangan yang profesional, efektif, efisien, transparan dan akuntabel. Pelatihan Manajemen Keuangan bagi Santri menuju kemandirian Pondok Pesantren menggunakan Participatory Action Research (PAR). Artinya, semua pihak yang berkepentingan (stakeholders) secara aktif meninjau tindakan saat ini untuk membuat perubahan dan perbaikan ke arah yang lebih baik. Hasil pengabdian masyarakat yang telah dilaksanakan adalah beberapa tahapan manajemen keuangan pondok pesantren yang harus dilaksanakan yakni perencanaan (budgeting), pelaksanaan (Akunting) dan evaluasi (Auditing). Pengurus pondok pesantren mendapat pendampingan penyusunan RKAPP (Rencana Kegiatan dan Anggaran Pondok Pesantren) atau RAPBPP (Rencana Anggaran Penerimaan dan Belanja Pondok Pesantren) tahun 2022. Harapannya pengelolaan keuangan Pondok Pesantren semakin transparan dan akuntabel. Saran penulis, perlu penyempurnaan mengenai RKAPP dan evaluasi pengelolaan keuangan di tahun ini sebagai acuan penyusunan RKAPP di tahun berikutnya.

Implementasi Putusan Pengadilan Agama tentang Nafkah Anak dan Hadlanah Kholid Masyhari; Akhmad Nurasikin
Iqtisad: Reconstruction of Justice and Welfare for Indonesia Vol 10, No 1 (2023): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v10i1.8508

Talak or better known as divorce is the most common case in the Religious Courts (PA). In 2007 the Religious Courts (PA) of Semarang recorded 1,080 cases of divorce, both divorced and litigated. From a number of cases above, the authors classify them into two parts, firstly, divorce talak where the decision requires the husband to pay the child's living expenses until the child is an adult as mandated by the law and the Compilation of Islamic Law (KHI), the second is the decision for litigation in which the verdict is only only mentioning hadlanah rights without supporting children even though the couple has been blessed with children. The purpose of the study of the PA's decision on talak divorce is to find out whether the condemnation decision requires the husband to pay a certain amount of maintenance to the child up to the adult child who currently has his ex-wife paid or not. Then what efforts can be made by the ex-wife to get the rights of the child. Research on talak divorce decisions shows that many husbands have disobeyed the PA decision that has been inkracht (permanent legal force). Husbands who carry out the decision are 46.67% while the remaining 53.33% of husbands never provide for their children at all. The author sees that on average (the Plaintiffs-wife) have a permanent job and can support children whose rights (hadlanah) are on them.Talak atau yang lebih dikenal dengan cerai adalah kasus yang paling banyak terjadi di Pengadilan Agama (PA). Tahun 2007 Pengadilan Agama (PA) Semarang mencatat sebanyak 1.080 kasus perceraian baik cerai talak maupun cerai gugat. Dari sejumlah kasus di atas penulis mengelompokkan menjadi dua bagian, pertama cerai talak yang amar putusannya mewajibkan suami membayar biaya nafkah anak sampai anak tersebut dewasa sebagaimana amanah undang-undang dan Kompilasi Hukum Islam (KHI), ke-dua putusan cerai gugat yang amar putusannya hanya menyebutkan hak hadlanah saja tanpa disertai nafkah anak meski pasangan tersebut telah dikaruniai anak. Tujuan dari penelitian putusan PA tentang cerai talak adalah untuk mengetahui apakah putusan yang amar condemnaturnya mewajibkan suami membayar sejumlah nafkah kepada anak sampai dengan anak dewasa yang sekarang ini hadlanahnya ada pada mantan istri dibayarkan atau tidak. Lalu upaya apa yang dapat dilakukan mantan istri tersebut untuk mendapatkan hak anak tersebut. Penelitian dari putusan cerai talak menunjukkan ternyata banyak suami yang inkar kepada putusan PA yang sudah inkracht (berkekuatan hukum tetap). Suami yang melaksanakan putusan sebanyak 46,67 % sedang sisanya 53,33 % suami tidak pernah memberi nafkah anak sama sekali. Penulis melihat bahwa rata-rata (Para Penggugat-istri) telah mempunyai pekerjaan tetap dan dapat menghidupi anak-anak yang hak (hadlanah) pemeliharaannya ada pada mereka.

Tinjauan Hukum Ekonomi Syariah terhadap Jual Beli Bawang Merah dengan Sistem Panjar Imam Khoirul Ulumuddin; Zidni Ilma Handayani; Akhmad Nurasikin; Tri Handayani
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 2 No. 2 (2024): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Buying and selling shallots with a panjar system is to pay in advance the agreed down payment and the lack of payment will be paid after the shallots are harvested. In the payment, it has applied a down payment, but it is not uncommon for the sale and purchase of shallots to experience cancellation, the cancellation can be from the seller or buyer. The purpose of this study was to determine the practice of buying and selling shallots with a panjar system in Kluwan Village, Penawangan District, Grobogan Regency and Sharia Economic Law Review of the practice. This research is a field research with a qualitative approach. While data collection through observation, interviews, and documentation. The result of this study is that the practice of buying and selling shallots with a panjar system in Kluwan Village, Penawangan District, Grobogan Regency starts with bargaining between sellers and buyers, until an agreement and agreement occurs. The review of sharia economic law on the practice of buying and selling shallots in Kluwan Village, Penawangan District, Grobogan Regency uses a panjar system in accordance with the terms of the harmony of the sale and purchase contract, and the absence of gharar elements because there is already an agreement or agreement between the seller and the buyer. Kewords: Sharia Economic Law, Buying and Selling, Shallots, Incandescent System

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